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Pending

Pending·247 days on market

25 Ponce Preserve Drive

Palm Coast, FL 32164

$443,997$155/sqftEst. $2,459/moMLS# 2129222
↓ $35,701 below original list
4
Beds
3.5
Baths
2,861
Sq Ft
2025
Built
3
Garage
No
Pool
FEMA Zone XHOA $119/mo11,761 sqft lotSingle Family Residence2 storiesNew construction

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Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palm Coast

Welcome to this Ranch with Bonus Room Dalton! On the main floor you'll find a gourmet kitchen, large family room, and Study along with 3 bedrooms and 2.5 baths. One of the bedrooms is the primary suite which features an en-suite bath and large walk-in closet. Upstairs is an oversized bonus room/bedroom with full bath and large closet . The home also feature a Covered Lanai and a 3 car garage SAMPLE PHOTOS Actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,459
HOAbilled quarterly$119
Estimated total, before insurance$2,578/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$443,997
$88,799
Loan Term
Monthly Payment
$2,459
Principal & Interest: $2,459
Insurance (est.): $296
Estimated Total Monthly
$2,755
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,165 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 6:55 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 5, 2026Pending$443,997
  • Sep 11, 2026Price change$443,997−$30,701
  • Aug 21, 2026Price change$474,698−$5,000
  • Feb 9, 2026Listed$479,698

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $176/sq ft; this home is listed at $155/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
49 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$358,080$1734/32,0701120.1
32 Portofino Lane, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$360,997$1744/32,0771000.1
53 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$365,438$1764/32,077900.1
37 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$366,997$1774/32,0705130.1
41 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCJul 2026$361,997$1754/32,0704960.1
25 Portofino Lane, Palm Coast, FL 32164Listed by AXEN REALTY LLCJul 2026$397,630$1914/32,077370.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$443,997
Price / Sq Ft$155
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,861
Acres0.27 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesSouth

Community Information

Address25 Ponce Preserve Drive, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionSummerTide
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size11,761.2 sq ft
Parcel Number3111315145000000120

Amenities

Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingElectric
FlooringCarpet, Wood
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch
RoofShingle
ConstructionOther, Composition Siding, Frame, Stone

Additional Information

Date ListedFebruary 9, 2026
Days on Market238
HOA Fees$357 / Quarterly
HOA FrequencyQuarterly
HOA NameSovereign Jacobs
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: AXEN REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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